United Community Banks (UCB) EVP shifts 3,000 common shares in Form 4

Rhea-AI Filing Summary

United Community Banks EVP and Chief Risk Officer Robert A. Edwards reported multiple stock transfers in late January 2026. He disposed of a total of 3,000 shares of common stock in three separate transactions on January 29 and 30, each for 1,000 shares at a reported price of $0 per share under transaction code G.

Following these transactions, Edwards directly beneficially owned 51,347 shares of United Community Banks common stock, down from 53,347 shares reported after the January 29 transaction.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

EDWARDS ROBERT A.

(Last) (First) (Middle)

C/O UNITED COMMUNITY BANKS, INC.

200 EAST CAMPERDOWN WAY

(Street)

GREENVILLE SC 29601

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UNITED COMMUNITY BANKS INC [ UCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Chief Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
01/29/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/29/2026		G		1,000	D	$0	53,347	D
Common Stock	01/30/2026		G		1,000	D	$0	52,347	D
Common Stock	01/30/2026		G		1,000	D	$0	51,347	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	01/30/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did UCB executive Robert A. Edwards report?

Robert A. Edwards reported disposing of a total of 3,000 United Community Banks (UCB) common shares in late January 2026. The Form 4 lists three separate 1,000-share transactions coded “G,” each at a reported price of $0 per share.

On what dates did UCB EVP Robert A. Edwards transfer shares?

Robert A. Edwards reported share dispositions on January 29, 2026 and January 30, 2026. One 1,000-share transaction occurred on January 29, followed by two additional 1,000-share transactions on January 30, all involving United Community Banks common stock.

How many UCB shares does Robert A. Edwards own after the reported transactions?

After the reported transactions, Robert A. Edwards directly beneficially owns 51,347 shares of United Community Banks common stock. This figure appears in the Form 4 as the amount of securities beneficially owned following the reported transaction(s) for his final listed transaction.

What does transaction code G indicate in the UCB Form 4 filing?

The Form 4 for United Community Banks lists each transaction under transaction code “G” for Robert A. Edwards. The filing labels these as dispositions of 1,000 shares each at a reported $0 per share, but does not further describe the nature of code G in the text provided.

Is Robert A. Edwards a director or officer of United Community Banks (UCB)?

Robert A. Edwards is identified as an officer of United Community Banks with the title EVP, Chief Risk Officer. The Form 4 section on relationships with the issuer shows the officer box checked, with his specific executive title listed below.

Are the reported UCB share transactions held directly or indirectly by Robert A. Edwards?

The Form 4 shows Robert A. Edwards’ United Community Banks common stock holdings as direct. In the ownership column, each transaction is marked with “D” for Direct, and no separate nature of indirect beneficial ownership is described in the provided data.